The Heritage Financial Credit Union is a auto loan from Heritage Financial Credit Union. The ongoing APR is Fixed APR as low as: Tier 1 Auto (Model Years 2024-Present) 5.24%; Tier 2 Auto (2019-2023) 5.69%; Tier 3 Auto (2016-2018) 7.32%; New Boat/Motorhome/RV (2023-2027) 6.50%; Used Boat/Motorhome/RV (2018-2022) 7.00%; New/Used Motorcycle/OV (2018-2027) 7.49%. All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer. Loan terms: Autos: maximum term is 84 months; boat/motorhome/RV: maximum term is 180 months; motorcycle/OV: maximum term is 60 months (other terms are available).